Suffering a serious workplace injury can adversely affect the financial stability of a worker and his or her family. California workers might be unsure whether they are eligible for workers' compensation or Social Security Disability Insurance, or both. While SSDI is a federal program, workers' compensation insurance is a state-regulated system, each with its own requirements for eligibility.
Reports often indicate that most Social Security Disability claims for benefits are rejected upon the initial filing. People in California and other states who suffered debilitating injuries or illnesses might rely heavily on SSDI benefits to assist with the financial burdens of living and medical expenses. So, why are so many claims denied?
Many California workers think that debilitating injuries only happen to others. However, unanticipated injuries or illnesses can befall anyone, and understanding eligibility for the different types of benefits -- SSDI, LTD and workers' compensation -- could prevent panic if it happens. However, the intricacies can be confusing and seeking professional guidance makes good sense.
Employees in California who become unable to work due to injury or illness might be eligible for Social Security disability benefits. However, it is quite a complicated system, and there might be questions about how to qualify for SSDI benefits. The first requirement is a job history in positions that were covered by Social Security. However, not all medical conditions meet the definition of disability, and when the do, the disability must prevent the person from returning to work for at least one year.
Most California employees are likely aware of their rights to claim workers' compensation benefits if they suffer injuries that prevent them from returning to work. However, they might have questions about disability benefits. There are two types of disability programs -- state disability benefits and federal benefits known as Social Security Disability Insurance, or SSDI.
Any person in California who is debilitated after an accident or a severe health problem may rely entirely on Social Security Disability Insurance. However, many people are disillusioned when their SSDI applications are rejected. One of the reasons for denial is incomplete paperwork. If any of the required or vital information is not provided, benefits might be denied.
Workers in California might find comfort in the knowledge that they are covered by the workers' compensation insurance program which will provide financial assistance in the event of workplace injuries. However, what will happen if they become disabled and are not able to return to work to earn a living? Will they have access to Social Security Disability Insurance? Employers can provide SSDI, which is a federal program, but employees could be covered by the California State disability program or a private insurance provider.
When a California resident suffers a brain injury, he or she may be unable to earn an income. While the fact that Social Security Disability Benefits might be available can provide comfort, the navigation of the application for benefits could be a nightmare. Reportedly, many SSDI claims are rejected at the application stage.
The financial threats that sudden disability can bring could be devastating, but that is only one part of the struggle. Knowing that a significant percentage of applications for Social Security Disability Insurance benefits in California are rejected could be discouraging. However, SSDI rejection often results from simple errors made by the applicants, such as providing inaccurate or insufficient information or explanations. An applicant can improve his or her chances of receiving benefits by gaining knowledge of the claims process.
A news report recently drew attention to the number of people nationwide, including in California, who are waiting for the Social Security Administration to process applications for assistance. Reportedly, about 1 million people are waiting to find out whether they qualify for SSDI, and many have died while waiting for a response. A former truck driver explained the effect this situation has on those who have to go on living while waiting for approval by the association.